Call reports 2025
FARMERS & MERCHANTS BANK — 2025
What FARMERS & MERCHANTS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 745,192,000 | 760,548,000 | 754,493,000 | 763,418,000 |
| Total loans | 550,605,000 | 577,737,000 | 563,773,000 | 601,748,000 |
| Allowance for loan losses | 6,600,000 | 6,785,000 | 7,150,000 | 7,035,000 |
| Securities available for sale | 104,381,000 | 102,838,000 | 103,714,000 | 104,464,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 682,049,000 | 695,717,000 | 685,400,000 | 672,905,000 |
| Interest-bearing deposits | 564,548,000 | 577,395,000 | 569,803,000 | 567,793,000 |
| Noninterest-bearing deposits | 117,501,000 | 118,322,000 | 115,597,000 | 105,112,000 |
| Equity capital | 59,664,000 | 62,045,000 | 64,674,000 | 67,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 12,308,000 | 25,160,000 | 37,471,000 | 50,234,000 |
| Interest expense | 3,936,000 | 7,952,000 | 11,995,000 | 15,897,000 |
| Net interest income | 8,372,000 | 17,208,000 | 25,476,000 | 34,337,000 |
| Noninterest income | 530,000 | 846,000 | 3,049,000 | 3,536,000 |
| Noninterest expense | 4,896,000 | 9,906,000 | 14,879,000 | 20,394,000 |
| Provision for loan losses | 350,000 | 750,000 | 1,850,000 | 2,540,000 |
| Pretax income | 3,606,000 | 7,348,000 | 11,746,000 | 14,895,000 |
| Income tax | 895,000 | 1,818,000 | 2,897,000 | 3,245,000 |
| Net income | 2,711,000 | 5,530,000 | 8,849,000 | 11,650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,443,000 | 72,297,000 | 73,116,000 | 75,917,000 |